Terms and Conditions

Legal Disclaimer

Mywish Marketplaces Pvt. Ltd. ("MMPL") owns www.wishfin.com (the “Website”) and its “Wishfin” mobile app (the “Mobile App”) . By accessing, using and/or registering on the Website/ Mobile App you have read, understood and agree to be legally bound by the terms of this Disclaimer, the Privacy Policy and the Terms and Conditions governing this Website/Mobile App displayed on the Website/ Mobile App (collectively, "the Governing Conditions"). MMPL reserves the right to make changes/modifications to the Website/Mobile App and the Governing Conditions at any time without any prior notice. Your usage of the Website/Mobile App or Services and Information (defined later), is entirely at your own risk. If you do not agree with any of the Governing Conditions, you should discontinue usage of the Website/Mobile App and/or Services and Information. Your continued use of the Website/ Mobile App shall mean your deemed acceptance to the Governing Conditions, as modified from time to time. We recommend you to return to this page periodically to review the lates version of the governing Conditions

MMPL makes no representation, warranty or guarantee as to the quality, accuracy, completeness, performance or fitness of any alert, article, view, video, information, advice, tool, calculator, analysis, report, data, content news, price, statistic, comment, feedback, advertisement, notification etc. provided on or through the Website/ Mobile App (collectively, "the Services and Information"). The Services and Information provided on or through the Website/ Mobile App are for general guidance and information purposes only and they do not in any manner indicate any assurance, advise or opinion of any manner whatsoever. MMPL makes no representations, warranties or guarantees (express or implied) that the contents of the Website/Mobile App or Services and Information are free from infection by viruses or other code or computer programming or anything else which has contaminating or destructive properties; and shall have no liability in respect thereof. Any of the Services and Information may be prone to shortcomings, defects or inaccuracies due to technical reasons.

The Services and Information do not constitute investment or financial advice or advice to buy or sell, or to endorse or solicitation to buy or sell any securities or other financial instrument for any reason whatsoever. Nothing on the Website/Mobile App or Services and Information is intended to constitute legal, tax or investment advice, or an opinion regarding the appropriateness of any investment or a solicitation of any type.

The Services and Information are dependent on various assumptions, individual preferences and other factors and thus, results or analyses cannot be construed to be entirely accurate and may not be suitable for all categories of users. Hence, they should not be solely relied on when making investment decisions. Your investment or financial decision shall always be at your own discretion and based on your independent research; and nothing contained on the Website/Mobile App or in any Services and Information would construe MMPL or any of its employees/authorized representative as having been in any way involved in your decision making process..

Investment in the securities market and any financial instruments are inherently risky and you shall always assume complete and full responsibility for the outcomes of all the financial or investment decisions that you make, including but not limited to loss of capital. You are therefore advised to obtain your own applicable legal, accounting, tax or other professional advice or services before taking or considering an investment or financial decision. Any access to information hosted on third party websites of billers/banks/merchants/associate companies or group companies etc. is not intended and shall not be treated as an offer to sell or the solicitation of an offer to buy any product/offering of these third parties.

You also agree and understand that data feeds, prices, rates and other similar market value information about any product or asset or property or securities or account information could be based on delayed feeds and that these data or information may not reflect the real time values/actual rates. You are therefore advised to refer to latest market values/rates/prices from time to time.

Certain Services and Information may be based on Short Messaging System (SMS). These are subject to the TRAI regulations and also to your telecom service provider, as may be applicable from time to time. MMPL cannot be held responsible for non-delivery or delay in delivery of SMS to your mobile phone/handset. MMPL reserves the right to deny access of the Website/Mobile App or Service and Information to anyone, at its sole discretion. Certain Services and Information could be offered by MMPL’s group or associate companies. Such Services and Information will be as per the terms and conditions agreed by and between you and such other group or associate companies and MMPL shall in no way be liable or responsible in this regard.

The usage of the Website/Mobile App is exclusively subject to the laws of India and the jurisdiction of the courts of New Delhi in India. MMPL expressly disclaims any implied warranties or liabilities imputed by the laws of any other jurisdiction. This Website/Mobile App is specifically for users in the territory of India, though access to users outside India is not specifically denied.

Terms & Conditions

Mywish Marketplaces Pvt. Ltd., (“MMPL”) is in the business of distribution of financial products through its Webisite/ Mobile App . MMPL requests you to carefully read these Terms and Conditions (“Terms & Conditions”) to avail access to the distribution network of MMPL through its its Webisite/ Mobile App. By registering with MMPL through its Webisite/ Mobile App, you irrevocably and unconditionally accept all the obligations stipulated in the Terms & Conditions and agree to abide by them.

1. Services

I/We hereby agree to avail the services provided by MMPL MMPL through its Website/ Mobile App for the purchase and redemptions of units of mutual funds listed on the Website/ Mobile App by me/us, on the Terms & Conditions mentioned herein (the “Services”).

I/We agree that MMPL and / or the mutual fund may, at its sole discretion, vary the Terms & Conditions, or withdraw any of the facilities provided herein from time to time. I/We, hereby, irrevocably and unconditionally, grant my/our no objection to MMPL and the respective mutual funds to collate transaction details relating to the investments in mutual fund units done by me/us on the Website/ Mobile App of MMPL, and transmit such transaction data to the concerned Asset Management Company (“AMC”) / mutual fund for further processing of my/our transactions.

2. Investment Account registration and transactions

Access to the distribution network of MMPL for the transactions of purchase, switch, and redemption of mutual fund units will be granted by MMPL only to customers who have a registered Investments Services Account (“Registered Customers”) with MMPL. I/We agree and acknowledge that the Services provided herein are presently available in respect of select Mutual Funds only with whom MMPL has entered into a separate arrangement. Registered Customers will be able to only purchase, redeem, and switch mutual fund units through this service. I/We agree and understand that no change of address, mobile number, e‐mail ID, and / or bank details can be allowed for such accounts, unless a duly signed hard copy of such a written request is sent for signature verification and other formalities. I/We agree that any and / or all information that may be provided by me/us to MMPL from time to time, including but not limited to contact information, address and tax‐related information, or any other information required under existing or future KYC, or other norms and laws, may be shared by MMPL with the mutual funds/AMCs, or their respective authorized service providers, auditors, legal and tax consultants in compliance with the extant legal provisions from time to time. There may be an exit load applicable to certain mutual fund schemes. This is mentioned in the respective offer documents, including the Scheme Information Document (SID) / Key Information Memorandum (KIM) and addendums issued thereto from time to time (collectively referred to as “scheme related documents”). I/We shall read all the scheme related documents before investing.

Investments from persons from the United States of America (“U.S.”) and Canada will not be permitted in certain mutual funds. MMPL/ AMCs/their respective trustee companies shall not be liable for rejection of an application by mutual funds, where the investor is a U.S. person and/or a Canadian person or such other prohibited investor as may be specified in the respective scheme related documents from time to time. Purchase requests made through MMPL’ online technology platform shall be processed by the respective mutual funds/AMCs only after funds sufficient to cover the purchase price, and other costs and charges have been received by the respective mutual funds/AMCs. Payments towards the purchase price and other costs and charges shall be made by Registered Customers directly in the name of the respective mutual fund scheme(s) through the payment gateway made available by MMPL on the online technology platform. If, for any reason, the mutual fund is unable to allow a transaction for purchase or redemption of the full quantity of units such as transacted by a Registered Customer through the online technology platform of MMPL, the respective mutual fund/AMCs shall be entitled to process a lesser quantity of units being purchased or redeemed (as the case may be) by such Registered Customer. In such a case, neither MMPL nor the AMCs, or their respective trustees shall be responsible for the non‐execution of transactions for the entire quantity or the remaining quantity of units. Transaction rights for Systematic Investment Plans (“SIPs”) will be pursuant to the Registered Customer executing the instructions, in the manner and form as prescribed by MMPL and / or mutual funds on the online technology platform from time to time. The instructions will be applicable to all SIP transactions, whether presently existing, or to be opened in future. I/We agree that, upon granting such instructions for SIP transactions, I/We will be bound by the terms of the relevant SIP scheme of the mutual fund to which I/we subscribe.

I/We agree and acknowledge that any transaction done or purported to be done by me/us before the cut-off time on a business day as may be intimated by MMPL to me/us from time to time, would be processed on the same day. Any transactions done on the online technology platform of MMPL after the prescribed cut-off time will be deemed to be received on the next working day and will be processed accordingly.

I/We acknowledge that the units of the scheme shall be allotted, redeemed or switched, as the case may be, by the respective mutual funds / AMCs at the applicable Net Asset Value (“NAV”) of the concerned mutual fund scheme as specified by MMPL, in consistence with the terms of the scheme. However, MMPL shall not be liable for any loss that may arise to me/us as a result of incorrect NAV applied on units allotted to me/us by the mutual fund.

I/We acknowledge that any transactions done on a holiday would be processed on the next business day and the NAV would be applicable as per the respective scheme related documents.

I/We acknowledge that transactions once placed cannot be cancelled. I/We acknowledge that any application for redemption, purchase, or exchange, or any other instruction must be correct, complete, clear, and unambiguous in all respects, and should conform to the prescribed procedure/documentation and regulatory requirements, failing which, MMPL / the AMC reserve the right to reject the same, and in such a case, MMPL / the AMC / the trustee shall not be responsible for any consequence arising therefrom.

I/We have read and understood the contents of the scheme related documents and the details of the scheme, and I/we have not received or been induced by any rebate or gifts, directly or indirectly, MMPL. in making investments.

I/We hereby declare that the amount invested/to be invested by me/us in the scheme(s) of the mutual fund is derived through legitimate sources and is not held or designed for the purpose of contravention of any act, rules, regulations, or any statute or legislation, or any other applicable laws or any notifications, or directions issued by any governmental or statutory authority from time to time. The ARN holder has disclosed to me/us all the commissions (in the form of trail commission or any other mode), payable to him for the different competing schemes of various mutual funds from amongst which the scheme is being recommended to me/us.

3. No objection to MMPL

I/We grant my/our no objection to MMPL to do or perform upon my/our placing of transaction requests on the online technology platform of MMPL and at my/our risk and cost, all or any of the following acts, deeds, matters and things:

a. To forward my transaction data and requests to the respective mutual funds/AMCs with respect to my instructions and orders of sale, purchase, transfer, splitting, and consolidation of mutual funds units.

b. To transmit to the mutual fund and/or the corresponding AMC, information relating to my/our nomination / changes in investment plan / any other changes made through the online platform.

c. To obtain and forward to the AMC/its Authorized Registrar my/our information as available in the KYC records, including my signature. I/We agree that such records may be used by the AMC/Authorised Registrar for authorizing the transactions that may be submitted by me/us in physical/offline mode

d. To contact me/us regarding matters pertaining to the operation of my account including, but not limited to, servicing of my requests, communication of special offers, new product launches, and product recommendations. This consent will override any registration for DNC / NDNC.

4. Communication of instructions

In the event an Account has multiple investors mentioned in such Account, I/we acknowledge that all instructions (including instructions for modification of this clause) shall be given only by the first holder of such an Account, on behalf of both/all of us. All instructions given by the first holder above shall be binding on both/all as if given by each of us personally. I/We agree that the instructions may be for the purchase of units in the sole name of the first holder, or in the name of the first holder jointly with another person to the exclusion of the second or the third holder. I/We hereby authorize MMPL/AMCs to process and transmit such instructions given from time to time in relation to my/our transactions to the respective mutual funds/AMCs. The transactions for purchase or redemption of units may be done through the online method as required by MMPL.

I/We agree that MMPL/AMC reserves the right to remove or add any method of making instructions for purchase or redemption of the units at any time at MMPL’/AMCs’ discretion.

I/We agree that MMPL/AMC shall always have the right to change the modes of instructions for purchase, switch, or redemption of units.

I/We agree and acknowledge that units purchased by giving instructions through any of the above modes will be deemed to be accepted for redemptions through the same mode only. MMPL may refuse to transmit transaction data for clients unless they are given in a manner and form acceptable to MMPL and in accordance with MMPL’s right to verify such transactions. However, MMPL shall have no responsibility to determine the authenticity of any transactions done or purported to be done by me/us.

I/We shall not hold MMPL liable on account of MMPL acting in good faith on any of/our transactions done or purported to be done by me/us. The mutual funds/AMCs may, at its discretion, not give effect to my/our transactions where the mutual fund/AMCs/MMPL have reason to believe (which decision of mutual fund / AMCs /MMPL.

I/We shall not question or dispute) that the transactions are not genuine or are otherwise improper, ambiguous or unclear or raise a doubt. MMPL/AMC/mutual fund/trustee of the AMC shall not be liable for any losses including, but not limited to, the loss of any opportunity costs incurred by me/us, if any, transactions are not carried out for any reasons whatsoever.

I/We agree to indemnify MMPL, AMC, trustees to the AMC, its respective officers, directors, employees, and agents against any improper/ fraudulent transactions, improper/fraudulent fund transfer transactions done or purported to be done by me/us on the online technology platform / payment gateway provided by MMPL. MMPL/AMC shall not be obliged to accept from me/us any oral instructions for carrying out any transactions in mutual fund units. Further MMPL, AMC, trustees to the AMC, its respective officers, employees, and agents shall be indemnified for and held free and harmless from and against any and all costs, claims, losses or liabilities of any nature (direct or indirect) resulting from the act of purchase, redemption, or switch of mutual fund units, together with any and all attendant costs and expenses including reasonable legal fees and expenses, that MMPL, AMC, trustees to the AMC, its respective officers, employees, and agents may incur or be subject to, in relation to the transactions conducted by me/us on the online technology platform of MMPL.

I/We also acknowledge that the security and the control provided by MMPL are designed to verify the source of communication, and not to detect errors in transmission or content including discrepancies between names on the account numbers, and that MMPL, or any intermediary, may transmit data or take requisite action by referring to the account number only, even if the name on the account is also provided. Nothing contained herein shall require MMPL to violate any applicable laws, rules or the procedures/ instructions.

MMPL shall have no duty to verify the content of any transactions, instructions and communication, whether or not authorized, sent in its name and accepted by MMPL. MMPL will collate and transmit the transaction data and other details as it is received and stored on its servers, and will not validate the same for holdings, correctness of transaction and any other information.

5 Holding pattern and customer details

I/We agree and acknowledge that transactions done through the Website/Mobile App, the investment account facility will be tagged with the Mutual Fund distributor ARN Code _115637_and will not be treated as Direct.

I/We acknowledge and agree that the MMPL holding pattern of the Registered Customer, as reflected in the MMPL system, is deemed to be the MMPL Account holding pattern of the account holder/investor(s).

I/We also agree there will be no changes allowed in the holding pattern of the investors associated with the Account once the Account is activated.

I/We agree that once an investment is made using the holding pattern, I/We will not be allowed to change the holding pattern for the subscriptions. The other requisite data (which is not part of the form) required to be reported to AMC / authorized registrar of the AMC will be extracted from the Account details maintained for the First holder. The mode of holding in all customer joint accounts is treated as “Anyone or Survivor”.

I/We agree and acknowledge that it shall be the obligation of the AMC, and not of MMPL, to regularly send to the Registered Customer (only to the first holder in case of multiple / joint holdings) such communications as required under SEBI regulations.

6. Statement of account

7. Charges and fees

While currently, the Services offered by MMPL are free of transaction charges, I/we acknowledge that MMPL reserves the right to charge fees in the future for its Services, or for any other services offered by MMPL. Any such changes will be communicated by MMPL via email 14 days ahead of implementation, and will be displayed on MMPL’ Websites.

Under such circumstances, I/we understand that I/we will be allowed to transfer our assets out of my/our Account without incurring any costs payable to MMPL. I/We agree and understand that any such charges/fees that MMPL may choose to levy will be in addition to those levied by the AMCs, if any. All fees, charges, and reimbursement of expenditure shall be paid or made in full by me / us without any counter claim, set off, or withholding. All liabilities and obligations of the Registered Customer hereunder to MMPL/mutual fund/AMCs/trustees of the AMC shall be joint and/or several, as the case may be.

8. Third party risk

MMPL shall not be liable for any loss or damage caused by reason of failures or delay of the mutual fund to deliver any units purchased, even though payments have been made for the same, or failure or delay in making payment in respect of any units sold, though they may have been delivered. I/We shall hold MMPL harmless and free from any claim in respect thereof. MMPL shall also not be liable for any delay, failure, or refusal of the mutual fund in registering or transferring units to my/our names or for any interest, dividend, or other loss caused to me/us arising therefrom.

In such instances of third party claims, the AMC/mutual fund/trustees to the mutual fund shall be liable for failure/delay only where such claims/losses arise due to a reason entirely attributable to an error or gross negligence of the AMC. In no event shall the AMC/mutual fund/trustees to the mutual fund be liable for losses/claims arising due to force majeure reasons beyond the reasonable control of the AMC/mutual fund.

9. Liability of MMPL

MMPL shall not, in absence of gross negligence on the part of MMPL, be liable to me/us for any act, omission, or delay by the mutual fund, or for any claims which I/we may suffer or incur as a result of, or in course of discharge by MMPL, or its employees, officers, directors, nominee, or agent of MMPL’ duties. Without prejudice to the above, MMPL shall not be held liable for any loss or damage or failure to comply or delay in complying with its obligations under these Terms and Conditions which is caused directly or indirectly by any event or circumstances beyond MMPL’ reasonable control. These include system failure, network errors, delay, or loss of data due to the above, and in circumstances of acts of God, floods, epidemics, quarantines, riots, civil commotion, and/or war.

I/We further agree that MMPL shall not be held liable for any losses, damages, expenses, costs, liabilities, and claims of whatsoever nature caused by fraudulent or unauthorized use or access of my/our information, and/or signatures. MMPL will be under no duty to verify compliance with any restrictions on my/our investment powers. MMPL will not be liable for any loss, damage, cost, charges, or expenses directly or indirectly caused by reasons of any defects or imperfections or mechanical or other failure with relation to computer, cable, telex, telephone, or postal system. While MMPL will make every effort to have its computer systems available at all times, MMPL makes no guarantees with respect to the availability of such systems. MMPL will make every effort to resolve availability issues such as network problems, virus attacks, etc., in an expeditious manner.

Notwithstanding these, MMPL will as such not be liable for any loss, damage, cost, charges or expenses directly or indirectly caused by reasons of lack of such availability.

10. Electronic payment gateway

I/we understand that funds transfer for purchase of units of mutual funds will be done by using an Electronic Payment Gateway facility for net banking offered through a third party net banking service provider registered with the Reserve Bank of India.

I/we agree not to use or permit the use of the payment gateway or any related services for any illegal or improper purposes.

I/We agree and understand that these risks would include but not be limited to the following risks, and MMPL/AMC/trustees of the AMC, disclaim all liability and responsibility for any claims, losses, damages, and costs of whatsoever nature arising due to such risks:

(a) Misuse of Password: I/We acknowledge that if any third party obtains access to my password of the Investments Services Account, such third party would be able to transact on MMPL’s online technology platform. I/We shall ensure that the Terms & Conditions applicable to the use of the Net Banking password as contained in the Electronic Payment Gateway for Net Banking are complied with at all times.

(b) Internet Frauds: I/We understand that the internet per se is susceptible to a number of frauds, misuse, hacking, and other actions, which could affect payment instructions given using Electronic Payment Gateway or the transactions done using MMPL’s online technology platform. Whilst MMPL shall aim to provide security to prevent the same, there cannot be any guarantee against such internet frauds, hacking and other actions. I/We shall separately evolve/evaluate all risks arising out of the same.

(c) Mistakes and Errors: The filling in of applicable data for transfer would require proper, accurate, and complete details. In the event of my/our account receiving an incorrect credit by reason of a mistake committed by any third party, the concerned mutual fund/AMC or the bank shall be entitled to reverse the incorrect credit at any time whatsoever without my/our consent. I/We shall be liable and responsible to MMPL/ concerned mutual fund/concerned AMC and accede to accept instructions without questions for any unfair or unjust gain obtained by me/us as a result of the same.

(d) Technology Risks: The technology for enabling the transfer of funds and the other services offered by the Electronic Payment and MMPL could be affected by virus or other malicious, destructive, or corrupting code, program, or macro. I/We understand that the site of MMPL or the bank may require maintenance, and during such time, it may not be possible to process my/our request. This could result in delays in the processing of transactions/payment instructions or failure in the processing of transactions/payment instructions and other such failures and inability. I/We understand that MMPL disclaims all and any liability, whether direct or indirect, whether arising out of loss of profit or otherwise arising out of any failure or inability by MMPL/bank/mutual funds/AMCS to process any transaction/payment instructions for whatsoever reason. I/We understand and accept that MMPL/AMC/trustee company of the AMC/authorised registrars of the AMC shall not be responsible for any of the aforesaid risks.

(e) Limits: I/We are aware that MMPL may, from time to time, impose maximum and minimum limits on funds that may be transferred by virtue of the payment transfer service given. I/We realize and accept and agree that the same is to reduce my/our risks. I/We shall be bound by such limits imposed and shall strictly comply with them.

(f) Indemnity: I/We agree and undertake to indemnify MMPL/mutual funds/AMCs/trustees to the AMCs/authorized registrar of the AMC from and against all losses and damages that may be caused as a consequence of breach of any of the Electronic Payment Gateways for net banking, and the Terms & Conditions mentioned herein above.

(g) Withdrawal of Facility: MMPL shall be entitled to withdraw this service at any time without assigning any reason whatsoever.

(h) Binding nature of the above Terms & Conditions: I/We agree that by use of this facility, I/we shall be deemed to have agreed to all the above Terms & Conditions and such Terms & Conditions shall be bound on me/us in the same manner as if I/we have agreed to the same in writing.

11. Role of MMPL

I/We expressly agree and acknowledge that any information contained in MMPL’ brochures or other materials, or otherwise communicated by MMPL, shall not be construed by me/us as investment advice and that all decisions to purchase or sell units made by me/us shall be on the basis of my/our own personal judgment arrived at after due consideration.

I/We understand and agree that MMPL does not in any manner:

i. Guarantee payments on any units; or ii. Guarantee liquidity of any units; or iii. Make any offer to buy back any units; or iv. Guarantee the redemption or repayment of any units on maturity; or v. Guarantee the payments of interest or dividend; or vi. Promise, indicate, or guarantee any returns; or vii. Guarantee any goods delivery.

I/We further understand and agree that MMPL does not in any manner:

i. Subscribe to units of mutual funds on my/our behalf or in my/our name or collect payments from me/us for the units so purchased by me/us for remitting it further to the AMCs; or ii. Receive any account statement from mutual funds/AMCs, on my/our behalf or in my/our name pertaining to the units; or iii. Redeem/sell the units held by me/us on my/our behalf or in my/our name; or iv. Unilaterally instruct the mutual fund and/or the corresponding AMCs with regards to nomination/changes in investment plan/any other changes; or v. Sign any document on my/our behalf or in my/our name for purchase, sale, or redemption of units; or vi. Collect, receive, and/or give receipts and discharges for any sum including dividend, interest, or income arising from the units, and does not sign and/or endorse dividend and interest warrants on my/our behalf or in my/our name; or vii. Correspond with, or gives notice to the mutual fund/AMCs on my/our behalf, or in my/our name, except for transmission of transactions done or purported to be done by me/us on the online technology platform.

I/We understand and acknowledge that MMPL does not offer any advice, and nothing herein or on the MMPL Website shall be construed as investment advice by me/us.

I/We understand that any sum invested through MMPL is not a deposit with MMPL and is not bank insured. The same is not endorsed or guaranteed, and does not constitute obligations of MMPL or any of the subsidiaries associates or affiliates companies whose role in only as described in these Terms & Conditions.

Investments in mutual fund are subject to investment risk, including the possible loss of principal amount invested. The value of my/our units will fluctuate. If I/we redeem my units/shares, I/we may receive more or less than I/we paid depending upon NAV of the units in the fund or trust at the time of redemption. Past results are not a guarantee to future performance. Past performance may or may not be sustained in the future.

12. Correspondence

Any notice or other correspondence addressed by MMPL to me/us may be addressed to the first holder at the address given by me/us, or as may be intimated from time to time. If according to me/us, there is any discrepancy in the particular or details of my transaction or Account statement, then I/we shall be obliged to intimate the same to MMPL, and to the concerned mutual fund/AMC/authorised registrar of the AMC in writing within 7 (seven) working days of the first holder receiving notice thereof, failing which such transaction, statement or account (as the case may be) shall be deemed to be correct and accepted by me/us, and I/we shall not be entitled to question the correctness or accuracy thereof.

13. Use of MMPL websites

I/We acknowledge that in accessing and using the Services offered by MMPL, I/we may utilize the content and services offered on MMPL’ Websites.

I/We agree to follow Terms & Conditions for the use of such MMPL Websites as may be specified on such MMPL Websites from time to time (“MMPL Website Terms”).

Notwithstanding such acceptance of the MMPL Website Terms, I/we agree to the following:

i. I/We agree that all information, content, materials, products (including, but not limited to text, content, photographs, graphics, video and audio content) on MMPL’ Websites is protected by copyright in favour of MMPL under applicable copyright laws, and is also protected otherwise under general intellectual property law.

ii. I/We agree that all information submitted by me/us to MMPL, whether through MMPL’ Websites or otherwise, shall be deemed to be the property of MMPL, and MMPL shall be free to use any ideas, concepts, know‐ how or techniques provided by me/us in MMPL’ Websites, in any manner whatsoever.

iii. I/We agree not to copy, reproduce, sell, redistribute, publish, enter into a database, display, perform, modify, transmit, license, create derivatives from, transfer, or in any way, exploit any part of any information, content, materials, services available from or through the MMPL Websites, except that which I/we may download for my/our own personal, non‐ commercial use.

iv. I/We agree that I/we will not use MMPL's Websites for any purpose that is unlawful, or prohibited by these Terms & Conditions.

I/We also agree that I/we will not use MMPL’ Websites in any manner that could damage, disable or impair MMPL' Websites, or interfere with any other person’s use or enjoyment of MMPL’ Websites. v. I/We agree that the software and hardware underlying MMPL’ Websites, as well as other internet related software which are required for accessing the MMPL Website, are the legal property of the respective Vendors.

The permission given by MMPL to access MMPL’ Websites will not convey any proprietary or ownership rights in the above software I/We agree that I/we shall not attempt to modify, translate, disassemble, decompile, or reverse engineer the software/hardware underlying MMPL’ Websites, or create any derivative product based on the software /hardware.

Vi I/We agree that not all the products and services offered on MMPL’ Websites are available in all geographic areas, and I/we may not be eligible for all the products or services offered by MMPL on MMPL’ Websites. MMPL reserves the right to determine the availability and eligibility for any product or service.

vii. I/We agree that MMPL/AMC is not responsible for the availability of content or other services on third party sites linked from MMPL’ Websites. I/We are aware that access of hyperlinks to other internet sites are at my/ our own risk and the content, accuracy, opinions expressed, and other links provided by these sites are not verified, monitored, or endorsed by MMPL in any way. MMPL does not make any warranties and expressly disclaims all warranties, express or implied, including without limitation, those of merchantability and fitness for a particular purpose, title or non‐ infringement with respect to any information or services or products that are available or advertised or sold through these third party websites.

viii. I/We agree that MMPL has the absolute discretion to amend or supplement any of MMPL’ Website’s Terms & Conditions at any time, without prior notice for such changes. I/We agree that the information and assistance provided on MMPL’ Websites are true to the knowledge of MMPL, and should not be construed as investment advice, and that MMPL shall have no liability for any discrepancy in any such information or assistance.

ix.

I/We agree that an Account may be created offline, without accessing MMPL’ Websites. In the event I/we create an Investment Services Account offline, I/we understand and acknowledge that these Terms & Conditions, and the Terms & Conditions of the use of MMPL’ Websites will continue to be applicable to me/us for the use of Services.

14. Customer Information

I/We agree to provide any and all information that may be required by MMPL/AMC/authorised service providers of the AMC from time to time in compliance with existing legal norms and regulations, including but not limited to contact information, address and tax‐related information, and any information required under existing or future KYC norms and laws.

I/We agree that MMPL/AMC/authorized service providers of the AMC may take steps to verify the veracity of such information provided by me/us, and I/we agree to cooperate with MMPL/AMC/authorized service providers of the AMC in providing all information requested by MMPL.

I/We acknowledge that failure to provide such information in a timely manner may result in my/our ineligibility to avail of some, or all of the services of MMPL, and that MMPL/AMC/Trustees of AMC shall in no way be held liable for any losses of whatsoever nature resulting from such failure to provide information on my/our part.

I/We agree that any information provided by me/us may be required to be shared with relevant regulatory / statutory authorities and I/we authorise MMPL to provide all information to such regulatory / statutory authorities as and when required.

Privacy Policy

This Privacy Policy sets forth the reasonable security practices and procedures adopted by Mywish Marketplaces Pvt. Limited (“MMPL”) and shall apply to the use and disclosure and sharing of sensitive personal data or information (“Personal Information”) provided by the registered users of the website www.wishfin.com (“Website”) and “Wishfin” mobile application (“Mobile App”) which is owned and operated by MMPL. This policy is equally applicable on the visitors of the Website and Mobile App. We value the trust you have placed with us. To provide you with a convenient and safe online/mobile experience, we have implemented measures to protect the confidentiality, integrity, and security of your Personal Information, during storage and transmission through the World Wide Web. This Privacy Policy explains how we protect Personal Information provided by you through the Website/Mobile App and how we store and use that information, to deliver the services on the Website/ Mobile App.

This Privacy Policy is subject to change at any time. It is advised that you review this Privacy Policy periodically. This Privacy Policy is also incorporated into and subject to the Terms of Use of the Website/ Mobile App.

Collection & Use of personal information

MMPL requires you to provide your details on the Website and Mobile App such as email address, password, Permanent Account Number (PAN), know your client (KYC), banking information & other information for registration which is a mandatory information required for availing facility to transact for the services provided on the Website/Mobile App (“Registration Information”). The collection of the Registration Information is obligatory pursuant to regulatory requirements in order to activate and enable the online transactions on the Website and Mobile App Such Registration Information shall be used/shared/maintained/accessed/stored with/by third party technology service provider/main distributor/AMCs/RTAs/authorised service providers/ banks in order to enable/ facilitate/ complete/ process online transactions and report/statement generation.

In order to provide enhanced personalized services, we collect data about your interaction with our website, such as pages visited and average time spent on the website, your internet protocol address, the unique identifier of your device and device information such as operating system, operating system version, browser plugins, crashes, system activity, hardware settings, date and time of your request and referral URL, and cookies that may uniquely identify your browser and mobile application.

From time to time, the Website/Mobile App may also request other information to provide you with other benefits of the Services. On all such occasions, you will have the opportunity to provide or to decline to provide such information.

The Website/ Mobile App uses and discloses your Personal Information only as follows:

• To fulfil / complete your requests for products and services offered, or subscribed or availed by you on the Website/Mobile App. • To deliver to you any administrative notices, alerts, advice, notifications and communications relevant to your use of the Services. To analyze Website/Mobile App usage and improve the services offered. • For market research, project planning, troubleshooting problems, detecting and protecting against error, fraud or other criminal activity. • To Third Party Service Providers that provide services to MMPL and are bound by these same privacy restrictions. • To improve features, tailor the Website/Mobile App to your interests, and to get in touch with you whenever necessary.

MMPL does not disclose your Personal Information/ Registration Information except as directed by law or as per mandate received from you. Upon your written request MMPL will provide you with information on whether we hold any of your personal information. No such information or other personally identifiable data is shared with non-affiliated third parties unless any of the following conditions is met:

• To help complete a transaction initiated by you • To perform support services through a third party service provider, provided it conforms to the Privacy Policy of MMPL and your prior consent to do so is obtained • You have specifically authorized it • The disclosure is necessary for compliance of a legal obligation or as required by law, such as to comply with a subpoena, or similar legal process • The information is shared with Government agencies mandated under law • The information is shared with any third party by an order under the law • When we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request.

Email & SMS communications from us and our partners:

We provide our registered customers with periodic emailers and email/SMS alerts. We also allow users to subscribe to email newsletters and from time to time may transmit emails promoting MMPL or third-party products. You may opt-out of receiving our promotional emails and terminate their newsletter subscriptions by following the instructions in the emails. Opting out in this manner will not end transmission of service-related emails/SMS, such as email/SMS alerts. The above services are also provided by our partners.

You are responsible for maintaining the confidentiality of your login id and password:

You are responsible for maintaining the security of your Login ID and Password, and may not provide these credentials to any third party. If you believe that they have been stolen or been made known to others, you must contact us immediately at contactus@wishfin.com. We are not responsible if someone else accesses your account through Registration Information they have obtained from you or through a violation by you of this Privacy Policy or the Wishfin Terms & Conditions.

Power of Attorney

“I/We grant MMPL through this Power of Attorney (PoA), the authority to transact or otherwise deal with all the products purchased by me on the Website/Mobile App on my behalf for the all purposes of the terms of SID, KIM, purchase, redemption, switch, etc. of Mutual Fund units.”

I/ We may terminate this POA by giving prior written notice to MMPL at anytime till I/We are the Customers of MMPL

This PoA shall terminate in case the Customer ceases to be a customer of MMPL.